The Cost of Unaffordability
Unaffordable housing is one of the greatest economic and social challenges today. When house prices decouple from wages, young people are forced to take out "longer mortgages" and save for larger deposits, which locks them out of property ownership. This shift traps household wealth in "long-term debt to banks", redirects vast sums away from productive consumption, and exacerbates wealth inequality. The "Government Performance in Housing Index (GPHI)" measures how much house price growth exceeds CPI (inflation) growth—a score of 100 means affordability remained stable during the term.
Affordability Score by Government Term
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| Government Term | Party | Years | Avg. GPHI Score (Goal: 100) | Annual Records Used |
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